9970 Mill Run, Carmel, IN 46032 Property Records

Hamilton County property record for 9970 Mill Run, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,072 sqft · built 1978
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Jun 2021)
Tax Bill	$4,192 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-10-301-017.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-10-301-017.000-018`
Alternative APNs	`291310301017000034` `1713100301017000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,072 sqft Living Area
1st Floor Area	1,036 sqft
2nd Floor Area	1,036 sqft
Basement Area	1,036 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Other
Roof Material	Asphalt
Lot Area	31,799 sqft (0.73 acres)
Lot Dimensions	227 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	952 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1713100301017000
Old Parcel Number	291310301017000034
Street Address	9970 MILL RUN
City	CARMEL
State	IN
Zip	46032-8263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .73, SECTION 10, TOWNSHIP 17, RANGE 3, CEDAR POINT, LOT 37, IRREGULAR SHAPE
Legal Range	03
Legal Township	17
Legal Section	10
Legal Subdivision	CEDAR POINT
Legal Lot Number	37
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1007
Census Tract	111103

Owner

9970 Mill Run is owned and occupied by an individual who bought it in June 2021.

Source: Hamilton County records, as of March 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9970 MILL RUN, CARMEL, IN 46032-8263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Feb 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 24, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on File
Deed Sale	Jun 1, 2021 · Amount on File
Prior Sale	Mar 20, 2014
Deed Document Number	2021040642
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 1, 2021
Property Address	9970 MILL RUN, CARMEL, IN 46032-8263
Document Number	0000040642
Map Reference	MB 6 PG 131&132
Instrument Date	May 26, 2021
Instrument	2021040642
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9970 MILL RUN, CARMEL, IN 46032-8263

Mortgage

Document Number	0000040643
Date	Jun 1, 2021
Instrument	2021040643

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9970 MILL RUN, CARMEL, IN 46032-8263
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004906
Date	Feb 5, 2018
Instrument	2018004906

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2033

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9970 MILL RUN, CARMEL, IN 46032-8263
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039479
Date	Aug 24, 2018
Instrument	2018039479

Lender

Name	PNC BANK NA
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Hamilton County
County Subdivision	Clay Township
Municipality	Carmel City
Unified School District	Carmel Clay Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$432,600 (+12.71%) Land $88,800 Building $343,800	$432,600 (+12.71%) Land $88,800 Building $343,800
2024	$4,192.00 (+6.64%)	$383,800 (+2.9%) Land $88,800 Building $295,000	$383,800 (+2.9%) Land $88,800 Building $295,000
2023	$3,931.00 (+10.11%) Homeowner's exemption	$373,000 (+18.45%) Land $88,800 Building $284,200	$373,000 (+18.45%) Land $88,800 Building $284,200
2022	$3,570.00	$314,900 Land $76,600 Building $238,300	$314,900 Land $76,600 Building $238,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9970 Mill Run in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 9970 Mill Run is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARMEL WATER DEPARTMENT serves 99,927 people · EPA ID IN5229004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2024 E. coli resolved · Oct 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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